Last Updated: January 24, 2026
This Privacy Policy explains how Pearl Tech Inc., a Delaware corporation ("Company," "we," "us," or "our"), collects, uses, discloses, and safeguards personal information in connection with our mobile applications for iOS and Android, our website https://joinpearlai.com (the "Site"), our waitlist experience, and related services (collectively, the "Services"). By using the Services, you agree to this Privacy Policy. If you do not agree, do not use the Services.
Contact: Contact: [email protected] | 701 Brazos St, Austin, Texas USA
Financial Privacy (GLBA/Reg P). Financial Privacy (GLBA/Reg P). To the extent we provide financial products or services for personal, family, or household purposes, certain information we handle may be nonpublic personal information (NPI) governed by the Gramm-Leach-Bliley Act and Regulation P. Where GLBA applies, state consumer privacy laws (e.g., CCPA/CPRA) typically do not apply to that NPI. This Policy covers both GLBA-covered and non-GLBA data and explains the difference.
The information we collect depends on how you use the Services and your settings.
If you link accounts via direct/open-bank APIs or a bank partner (when available), we receive, as permitted by you and your bank(s):
We do not require SSN, driver's license, precise geolocation, or biometrics for the waitlist or basic services. If future features (e.g., transfers, advisory) require limited sensitive data, we will provide just-in-time notice, obtain consent where required, and restrict use to that purpose (§14).
We do not purchase data from data brokers.
We process information to:
We only disclose information to parties necessary to operate our Services, never for marketing or advertising:
When you link an account: You authorize Pearl Tech Inc. and our direct/open-bank connectivity (or bank partners) to obtain read-only financial information from your bank(s) and share it with us solely to deliver the Services you request. Your credentials go directly to your bank or a bank-approved interface; we do not receive or store them. You may disconnect accounts at any time in Settings. We will stop new retrievals and handle existing data per Retention (§13).
You can manage preferences in-app (and via Cookie Preferences when the web app launches) and via your browser/OS.
We maintain administrative, technical, and physical safeguards aligned with industry and regulatory expectations, including:
Depending on your U.S. state of residence, you may have rights to access/know, correct, delete, port, opt out of "sale/share" and targeted advertising, limit certain uses of sensitive data (where applicable), and appeal a decision. We do not discriminate for exercising rights. Exercising rights: Use in-app privacy controls or email [email protected]. We verify requests using information we maintain and use verification data only for that purpose. Authorized agents may act where permitted.
We retain personal information for as long as legally permitted and necessary to (i) provide and improve the Services, (ii) maintain security/integrity, (iii) meet legal, tax, accounting, and regulatory obligations, (iv) resolve disputes, and (v) enforce agreements.
| Data Type | Typical Retention |
|---|---|
| Account & profile | Life of account + up to 12 months |
| Linked-account data (read-only pulls) | Life of account + up to 12 months (or longer if required/permitted) |
| Usage/telemetry & security logs | 12–18 months rolling |
| Crash/error logs | 90–180 days (longer for active incidents) |
| Marketing/consent records | 24 months or as required |
| Backups/snapshots | Rolling 30–90 days (DR purposes) |
| Payment/tax records (if any) | Per law (often 7 years in the U.S.) |
The Services are intended for adults and are distributed via App Store and Google Play age settings. We do not knowingly collect personal information from children. If you believe a child provided personal information, contact [email protected] and we will promptly delete it.
Primary Processing: We process data primarily in the United States through our service providers.
The Services may include links to or integrations with third-party services that have their own privacy policies (e.g., bank APIs, analytics, email/SMS, in-app messaging, AI providers). Review their policies before enabling integrations or sharing information.
We may de-identify or aggregate information for analytics, product development, and commercial reporting. We maintain contractual, technical, and organizational measures designed to prevent re-identification and prohibit recipients from attempting it.
We may update this Policy. The "Last Updated" date shows the latest revision. For material changes, we will provide prominent notice (e.g., in-app, email). Please review updates carefully.
Pearl Tech Inc.
701 Brazos St, Austin, Texas USA
Email: [email protected]
Website: https://joinpearlai.com
What does Pearl Tech Inc. do with your personal financial information?
WHY? We use your information solely to deliver wealth management insights you request, maintain and secure your account, comply with law, and improve our Services. We do NOT sell or share your financial data with third parties for their marketing purposes.
HOW? We share only as required by law or with service providers who help us operate our Services (hosting, security). We do NOT sell, share, or disclose your financial data to third parties for advertising, marketing, or any commercial purpose. Your financial information stays private.
TO LIMIT SHARING: Use in-app privacy settings or email [email protected].
QUESTIONS? [email protected]